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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Pariwisata JURNAL EKOBIS DEWANTARA Jurnal Manajemen Bisnis dan Kewirausahaan Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat Akademika Jurnal Teknologi Pendidikan TRJ (Tourism Research Journal) Jurnal Ilmiah Pariwisata
Michael Khrisna Aditya
Sekolah Tinggi Pariwisata Trisakti
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Physics Social Sciences

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THE EFFECT OF THE USE OF QRIS ON MSME PERFORMANCE: THE ROLE OF FINANCIAL LITERACY AS A MEDIATION VARIABLE Ratnaningtyas, Heny; Aditya, Michael Khrisna; Nurbaeti, Nurbaeti; Asmaniati, Fetty
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 15 No. 1 (2026): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v15i1.98855

Abstract

This study examines the effect of QRIS adoption on MSME performance with financial literacy as a mediating variable. The research aims to analyse the direct impact of QRIS use on financial literacy and MSME performance, and the mediating role of financial literacy in strengthening this relationship. A quantitative approach was applied using survey data collected from 500 MSME actors in Indonesia. Data analysis was conducted using SmartPLS 4.0 to test both direct and indirect relationships among variables. The results indicate that QRIS adoption has a significant positive effect on financial literacy and MSME performance. Financial literacy also has a strong positive influence on MSME performance and significantly mediates the relationship between QRIS and MSME performance. These findings confirm that digital payment systems not only improve transaction efficiency but also enhance financial knowledge among MSME actors. The implications suggest that strengthening financial literacy programs is essential to maximise the benefits of QRIS adoption for sustainable MSME development and digital economic transformation in Indonesia. JEL: E24, E22, I25.
Co-Authors Adam Rachmatullah Alda Chairani Anak Agung Gde Agung Deivy Zulyanti Nasution Devita Gantina Devita Gantina Ervina Taviprawati, Ervina Fetty Asmaniati Haryo Wicaksono, Haryo Haryono, Joko Heny Ratnaningtyas Jakaria Maidar Simanihuruk Nasution, Deivy Zulyanti Nurbaeti Nurbaeti Pramudito Pramudito Pramudito Pramudito Purwanti Dyah Pramanik Rachman, Arief Faizal Reno Catelya Dira Oktavia Santi Maudiarti Tri Djoko Sulistiyo, Tri Djoko Triono, Freddy